The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,004
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$853/mo
Today · 4.125%
HK$28,697
baseline
▲ 0.50% · 4.625%
HK$30,443
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,394/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,042
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$818/mo
Today · 4.125%
HK$31,665
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,330/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,405
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$1,024/mo
Today · 4.125%
HK$34,437
baseline
▲ 0.50% · 4.625%
HK$36,532
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,874/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,050
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,017
−HK$981/mo
Today · 4.125%
HK$37,998
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,002/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$75,996/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,805
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,981
−HK$1,195/mo
Today · 4.125%
HK$40,176
baseline
▲ 0.50% · 4.625%
HK$42,621
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,352/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,058
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,144/mo
Today · 4.125%
HK$44,330
baseline
▲ 0.50% · 4.625%
HK$46,667
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,660/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,607
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,119
−HK$1,536/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,798
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,075
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,525
−HK$1,471/mo
Today · 4.125%
HK$56,996
baseline
▲ 0.50% · 4.625%
HK$60,001
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,992/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,093 · Scale 2, in force from 26 Feb 2026)